CA2086670A1 - Arrangement for acquisition of services via a telephone set - Google Patents
Arrangement for acquisition of services via a telephone setInfo
- Publication number
- CA2086670A1 CA2086670A1 CA002086670A CA2086670A CA2086670A1 CA 2086670 A1 CA2086670 A1 CA 2086670A1 CA 002086670 A CA002086670 A CA 002086670A CA 2086670 A CA2086670 A CA 2086670A CA 2086670 A1 CA2086670 A1 CA 2086670A1
- Authority
- CA
- Canada
- Prior art keywords
- service
- calling party
- arrangement according
- computer equipment
- reader
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Abandoned
Links
Classifications
-
- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
- G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
- G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
- G07F7/1008—Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/04—Payment circuits
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/305—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wired telephone networks
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/346—Cards serving only as information carrier of service
-
- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
- G07F19/20—Automatic teller machines [ATMs]
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04M—TELEPHONIC COMMUNICATION
- H04M11/00—Telephonic communication systems specially adapted for combination with other electrical systems
Abstract
The invention relates to an arrangement for acquisition of services via a telephone set. The arrangement comprises a communication element which connects the calling service purchaser to a service provider station with associated computer equipment. The arrangement contains a reader unit which operates in conjunction with an identity element for communicating with the computer equipment.
The identity element is provided with information for identifying the purchaser. The identity element is preferably a smart card and the communication element comprises a reader unit which, together with software, can handle smart cards. The arrangement has a built-in keyboard for feeding in data.
The identity element is provided with information for identifying the purchaser. The identity element is preferably a smart card and the communication element comprises a reader unit which, together with software, can handle smart cards. The arrangement has a built-in keyboard for feeding in data.
Description
~'092/21110 ~ rCT/SE92/00293 ~ITLE OF TH~ INVENTION: ARRANGEMENT FOR ACQUISITXON
OF SERVICES VIA A TELEPHONE ;~
SET .
FIELD OF THE INVENTION . .
The present invention relates to an arrangement for acquisition of services via a telephone set, more ~, specifically a reader which is coupled to the telephone.
The reader contains a reader unit which, together with software, can handle sm2rt cards. The reader can communi-cate with a receiver at the service provider end. The arrangemant has a built in keyboard for feeding in data.
The arrangement is controlled in its entirety from the telephone service which the service purchaser is ringing. This can be a voice answering equipment or any other equipmen~ which is built for communicating with a reader for smart cards. The reader is controlled vi~ any one of the two accessible communication channels.
:'~
PRIOR ART
It has previously been known to order services from a computer equipment via telephone. In this case, the computer is controlled with the aid of the key set on the telephone set and information i3 obtained from the computer in the form of sp~ech which is generated by the 25~ computer. The u3er him~elf must keep track of all codes -for identi~ication and different in~tructions to the computer.
Automatic ~ankir~g machines are al~o already known. In the~e~ a card i8 introduced which identifies the u~er. The u~er then reque~t~ an amount and~feeds in hiQ per~onal identification code via the key set on the - terminal. The automatic banking machines only provide .
lLmited services, wi hdrawal and account information, and ~ the bank card only contains a code which identifies the - ~ 35 acc~unt.
~: ' . ' -~. - -~ . .
. ~ .
.
- : , ' - : .
WO ~/21110 - 2 - 2 0 8 6 (~ 71~ pcr/sE92/oo293 SUM~lARY OF T~IE INVENTION
The present invention relates to an arrangement for the acqui~ition of sarvices via a telephone set with increased possibilities. Several different services can be provided and the sa~ety functions can be improved.
According to the invention, the arrangement comprises a communication element which couples the calling sarvice purchaser to a service provider station with associated computer equipment. The communication element operates in conjunction with an identity element, preferably a smart card, for communicating with the computer equipment. The identity element is provided with information for identifying the service purchaser, among others.
Other embodiments of the invention are specified in greater detail in the subsequent patent claims.
Service providers can increase the security of the existing applications or develop new services with the aid of the reader. Security is guaranteed by the security functions which are built into smart cards. Among other things, these cards can encrypt and sign el~ctronic transactions which, together, have the result that service providers can offer very advanced services via the telephone network. A smart card which is used as information carrier can use the reader for transmitting the stored information items,. ' :
SHORT DESCRIPTION OF T~ DRAWINGS
The invention will now be described ln detail with re~exence to the subs~quent drawings, in which:
Figure 1 is a block diagram of the arrangement according to the invention connected to a telephone system; and , Figure 2 is a block diagram of an alternative coupling of the~arrangement according to the invention.
DETAILED DESCRIPTION OF T~E PREFERRED EMBODIMENTS
OF T~E INVENTION - ' '~' Figure 1 Rhows the arrangement according to the , ~::: -.
. ~- .
:
' _ ~ ; - . . .. A ' , , WO9~/21110 ~6 PCTtSE9~/00~93 invention coupled to a telephone system. The arrangement is located at the subscriber who is a 5ervice purchaser.
connection can be coupled via a telephone system, for example the general telephone network, to A service provider, one of which is shown. At the service provider station, a computer and communication equipment are located. -- -The arrangement according to the invention consists of a card reader for smart cards. The reader is connected in parallel with the telephone to a normal telephone jack via a standard adaptor plug. The reader contains a reader unit which, together with software functions, can handle smart cards. The reader can com-municate with the receiver at the service provider station either by means of tone dialling signalling and/or ~y-means of a modem. It also has a built-in keyboard for feeding in data. The reader is completely controlled from the telephone service which the user is calling. The computer equipment of the telephone service normally has a voice answering equipment or other ;
equipment intended for communicating with a reader. The reader is controlled via any one of the two communication - channels which are accessible/ by means of tone dialling signalling or modem.
Figure 2 shows an alternative way for connecting the reader. The reader is here directly connected via its plug to the telephone network and the telephone set is coupled directly to the card reader. ~ere, too, the reader and the telephone set are coupled in parallel.
I~ is also pos~ible to build the telephone set and the card reader together to form one unit. In this case, the unit has only one ~ey set and a slot for intro-ducing the smart card. -The reader is controlled by a central processing unit. This is an -eight-bit central processing unit -designed for maximum~ integration of the card reader's functions directly in the central processing unit~ ~he central processing unit is made in C~OS technoloqy which ~;
ensures low current con~umption. Internally, there is a ', ' WO92/~1110 PCT/SE92/00293 - 4 - 2~6670 random-access memory RAM with 256 bytes which i~ adequate for the functions to be carried out by the reader. The pro~ram code can be stored in a programma~le read-only memory PROM or ma~k-programmed directly in the central processing unit for minimising current consumption and prlce .
The card read~r is equipped with a built-in keyboard which contains 12 keys: the digits 0-9 and characters * and #. The appearance corresponds to key sets of normal tele-phones. The keyboard is directly coupled to the central processing unit which eliminates the risk of leakage of information fed in. ;
The reader unit itself is designed for being mounted directly on the circuit board which is important for keeping down the total size and price of the con-struction. The reader unit is adapted to be able to handle all smart cards on the market. The reader unit is completely passive and is only a link between the card and the central processing unit. The central processing unit can communicate with the card via the reader unit and contribute power supply and clock. Different feed voltages and clock frequencies are supplied to the card depending on which card is connected.
The basic communication with the computer equip-ment called occurs with the aid of tone diallin~ signall-ing. The reader is equipped both with tone dialling transmitter and receiver.
The transmission speed ii~ normally l0 characters (l0 x 4 bits) per second. The tone dialling reGieiver i9 coupled in parallel with the normal telephone traffic which means that it can receive data both ~rom ~he user'is telephone and ~rom the telephone network. The reader also contains a relay for di~connecti~g the user when the reader and th ~ervice provider's equipment are directly communicating with one another.
Since tone dialling signalling greatly limits the amount of data which can be transferred, the reader is also equipped with a built-in modem. Th2 modem can handle communication according to CCI~T V.2l and V.23 which .: ' .~
.,:
. .
WV 92/21110 ~ PCT/SE92/00293 provides a transmis3ion speed of up to 1200 bps. This gives higher flexibility with respect to the functions to ba executed by the reader.
The reader i9 also provided with a number of light-emitting diodes in different colours, the functions of which are descri~ed below.
The reader is built up of low-current components ~ut the component with the highest current demand is the smart card. Since different cards are being used, the current consumption cannot be calculated accuxately.
Moreover, the cards draw more current when they are being written on, so the current consumption varies with time.
The power supply is provided by a battery or by a battery eliminator. A 9-V alkaline battery supplies continuous drive for the reader for approximately 3-4 hours. One of the abovementioned light-emitting diodes indicates low battery voltage and need for exchanging the ~;
battery.
When a card is inserted into the reader unit of the reader, the reader automatically starts. When the card is pulled out, the reader is shut down. Since smart cards are dependent on the power supply from the reader, they are returned to rest position when they are pulled out of the reading unit. When the reader is started by -inserting a card into the reader unit, a yellow light-emitting diode is illuminated. ~he reader tests the card in order to identify the type of smart caxd which is being u~ed. If the card i~ recognised, the yellow light-emitting diode iq extinguished and the r~ader i9 r~ady for use. This meanq that the reader proceeds to li~ten to tone si~nals which are sent from the called system. If the reader does not recognise the card as one of the acknowledged types, the card is either of an unknown type or misused. A red light-emitting diode is then illuminat-ed and the reader waits for the card to be pulled out.
~ All calls to the reader then only produce an error message as respon~e.
The user can feed data in locally to the readerwith the aid of the keyboard. The information items fed '- ' ~ ' ,. . ,, . ., -: . . "-, , :.. , .. . ... : .. -.. .,- : , , .. ... :,. .... . -. . : . . ~ . . .
OF SERVICES VIA A TELEPHONE ;~
SET .
FIELD OF THE INVENTION . .
The present invention relates to an arrangement for acquisition of services via a telephone set, more ~, specifically a reader which is coupled to the telephone.
The reader contains a reader unit which, together with software, can handle sm2rt cards. The reader can communi-cate with a receiver at the service provider end. The arrangemant has a built in keyboard for feeding in data.
The arrangement is controlled in its entirety from the telephone service which the service purchaser is ringing. This can be a voice answering equipment or any other equipmen~ which is built for communicating with a reader for smart cards. The reader is controlled vi~ any one of the two accessible communication channels.
:'~
PRIOR ART
It has previously been known to order services from a computer equipment via telephone. In this case, the computer is controlled with the aid of the key set on the telephone set and information i3 obtained from the computer in the form of sp~ech which is generated by the 25~ computer. The u3er him~elf must keep track of all codes -for identi~ication and different in~tructions to the computer.
Automatic ~ankir~g machines are al~o already known. In the~e~ a card i8 introduced which identifies the u~er. The u~er then reque~t~ an amount and~feeds in hiQ per~onal identification code via the key set on the - terminal. The automatic banking machines only provide .
lLmited services, wi hdrawal and account information, and ~ the bank card only contains a code which identifies the - ~ 35 acc~unt.
~: ' . ' -~. - -~ . .
. ~ .
.
- : , ' - : .
WO ~/21110 - 2 - 2 0 8 6 (~ 71~ pcr/sE92/oo293 SUM~lARY OF T~IE INVENTION
The present invention relates to an arrangement for the acqui~ition of sarvices via a telephone set with increased possibilities. Several different services can be provided and the sa~ety functions can be improved.
According to the invention, the arrangement comprises a communication element which couples the calling sarvice purchaser to a service provider station with associated computer equipment. The communication element operates in conjunction with an identity element, preferably a smart card, for communicating with the computer equipment. The identity element is provided with information for identifying the service purchaser, among others.
Other embodiments of the invention are specified in greater detail in the subsequent patent claims.
Service providers can increase the security of the existing applications or develop new services with the aid of the reader. Security is guaranteed by the security functions which are built into smart cards. Among other things, these cards can encrypt and sign el~ctronic transactions which, together, have the result that service providers can offer very advanced services via the telephone network. A smart card which is used as information carrier can use the reader for transmitting the stored information items,. ' :
SHORT DESCRIPTION OF T~ DRAWINGS
The invention will now be described ln detail with re~exence to the subs~quent drawings, in which:
Figure 1 is a block diagram of the arrangement according to the invention connected to a telephone system; and , Figure 2 is a block diagram of an alternative coupling of the~arrangement according to the invention.
DETAILED DESCRIPTION OF T~E PREFERRED EMBODIMENTS
OF T~E INVENTION - ' '~' Figure 1 Rhows the arrangement according to the , ~::: -.
. ~- .
:
' _ ~ ; - . . .. A ' , , WO9~/21110 ~6 PCTtSE9~/00~93 invention coupled to a telephone system. The arrangement is located at the subscriber who is a 5ervice purchaser.
connection can be coupled via a telephone system, for example the general telephone network, to A service provider, one of which is shown. At the service provider station, a computer and communication equipment are located. -- -The arrangement according to the invention consists of a card reader for smart cards. The reader is connected in parallel with the telephone to a normal telephone jack via a standard adaptor plug. The reader contains a reader unit which, together with software functions, can handle smart cards. The reader can com-municate with the receiver at the service provider station either by means of tone dialling signalling and/or ~y-means of a modem. It also has a built-in keyboard for feeding in data. The reader is completely controlled from the telephone service which the user is calling. The computer equipment of the telephone service normally has a voice answering equipment or other ;
equipment intended for communicating with a reader. The reader is controlled via any one of the two communication - channels which are accessible/ by means of tone dialling signalling or modem.
Figure 2 shows an alternative way for connecting the reader. The reader is here directly connected via its plug to the telephone network and the telephone set is coupled directly to the card reader. ~ere, too, the reader and the telephone set are coupled in parallel.
I~ is also pos~ible to build the telephone set and the card reader together to form one unit. In this case, the unit has only one ~ey set and a slot for intro-ducing the smart card. -The reader is controlled by a central processing unit. This is an -eight-bit central processing unit -designed for maximum~ integration of the card reader's functions directly in the central processing unit~ ~he central processing unit is made in C~OS technoloqy which ~;
ensures low current con~umption. Internally, there is a ', ' WO92/~1110 PCT/SE92/00293 - 4 - 2~6670 random-access memory RAM with 256 bytes which i~ adequate for the functions to be carried out by the reader. The pro~ram code can be stored in a programma~le read-only memory PROM or ma~k-programmed directly in the central processing unit for minimising current consumption and prlce .
The card read~r is equipped with a built-in keyboard which contains 12 keys: the digits 0-9 and characters * and #. The appearance corresponds to key sets of normal tele-phones. The keyboard is directly coupled to the central processing unit which eliminates the risk of leakage of information fed in. ;
The reader unit itself is designed for being mounted directly on the circuit board which is important for keeping down the total size and price of the con-struction. The reader unit is adapted to be able to handle all smart cards on the market. The reader unit is completely passive and is only a link between the card and the central processing unit. The central processing unit can communicate with the card via the reader unit and contribute power supply and clock. Different feed voltages and clock frequencies are supplied to the card depending on which card is connected.
The basic communication with the computer equip-ment called occurs with the aid of tone diallin~ signall-ing. The reader is equipped both with tone dialling transmitter and receiver.
The transmission speed ii~ normally l0 characters (l0 x 4 bits) per second. The tone dialling reGieiver i9 coupled in parallel with the normal telephone traffic which means that it can receive data both ~rom ~he user'is telephone and ~rom the telephone network. The reader also contains a relay for di~connecti~g the user when the reader and th ~ervice provider's equipment are directly communicating with one another.
Since tone dialling signalling greatly limits the amount of data which can be transferred, the reader is also equipped with a built-in modem. Th2 modem can handle communication according to CCI~T V.2l and V.23 which .: ' .~
.,:
. .
WV 92/21110 ~ PCT/SE92/00293 provides a transmis3ion speed of up to 1200 bps. This gives higher flexibility with respect to the functions to ba executed by the reader.
The reader i9 also provided with a number of light-emitting diodes in different colours, the functions of which are descri~ed below.
The reader is built up of low-current components ~ut the component with the highest current demand is the smart card. Since different cards are being used, the current consumption cannot be calculated accuxately.
Moreover, the cards draw more current when they are being written on, so the current consumption varies with time.
The power supply is provided by a battery or by a battery eliminator. A 9-V alkaline battery supplies continuous drive for the reader for approximately 3-4 hours. One of the abovementioned light-emitting diodes indicates low battery voltage and need for exchanging the ~;
battery.
When a card is inserted into the reader unit of the reader, the reader automatically starts. When the card is pulled out, the reader is shut down. Since smart cards are dependent on the power supply from the reader, they are returned to rest position when they are pulled out of the reading unit. When the reader is started by -inserting a card into the reader unit, a yellow light-emitting diode is illuminated. ~he reader tests the card in order to identify the type of smart caxd which is being u~ed. If the card i~ recognised, the yellow light-emitting diode iq extinguished and the r~ader i9 r~ady for use. This meanq that the reader proceeds to li~ten to tone si~nals which are sent from the called system. If the reader does not recognise the card as one of the acknowledged types, the card is either of an unknown type or misused. A red light-emitting diode is then illuminat-ed and the reader waits for the card to be pulled out.
~ All calls to the reader then only produce an error message as respon~e.
The user can feed data in locally to the readerwith the aid of the keyboard. The information items fed '- ' ~ ' ,. . ,, . ., -: . . "-, , :.. , .. . ... : .. -.. .,- : , , .. ... :,. .... . -. . : . . ~ . . .
2 0 8 6 ~ 7 0 PCT/SE92/00293 in can then be used as data ~or an instruction to the card. The most usual type o~ in~ormation fed in is a personal code which will be tested in the card but it can also be another type o~ data, ~or example in~ormation to be encrypted. Mone o the operations at the keyboard will be output in plain text on the telephone line. The reader accepts the input from the-keyboard after an instruction from the called system. When this happens, a green light-emitting diode is illuminated in order to indicate that the data will be fed in. The input is concluded with "#"
and the green light-emitting diode is extinguished. When the light-emitting diode is extinguished, no operations at the keyboard will be stored or sent out on the line.
In the connected condition, the reader continuou-sly listens to the data in the form of tone signals or via the modem, which are sent from the called system.
When a start character is detected, the reader interprets this as a start of an instruction. The telephone is then disconnected from the line and the reader changes into instruction mode. The reader now collects all data including the signal "~", which indicates the end of the instruction. If a holdup of more than one second occurs between the different characters, the instruction is considered to be disturbed and the reader goes back to looking for the start character. When the entire instruction is received, it is decoded and executed.
After the executed instruction, the reader alway~ sends back a response. After that, the telephone is connected again to the line and the reader goes back to listening.
~hen the modem i9 connected, the user i9 always disconnectad from the line. From the moment the reader has detected the ~tart character to the time when the reader has sent out the complete response, the y~llow light-emitting diode is lit.
The~reader always starts in tone dialling mode, that is to say it listens for tone dialling signals from the called system. An instruction can ~e used for - changing communication channel and instead coupling in ; the modem. Thus, -a number of dif~erent opèrating . -. .:
:~ . , : . ...
W0 92/21110 ~ PCT/SE92/00293 coniiiti~ns are obtained: tone dialling signalling and signalling by means o~ the modem with different transmis-sion speeds. The operating condition of the modem can be changed while modem traffic is in progres3 by means of a new instruction on the modem line. This provides, for example, the possibility of switching between 1~00/75 bps as transmission speed. The response to the instruction is always given on the communication channel on which th~i instruction is sent, tone dialling or modem. Only after the response has been sent out does the exchange of communication channel or operating condition of the modem occur.
The reader can be commanded to accept data from the user via the heyboard by sending an instruction. The .
green light-emlttinq diode is illuminated in order to indicate that there will be input from the keyboard. The inputting is concluded by the user pressing the #
character. The green light-emitting diode is extinguished when inputting is concluded. The user has a maximum of 30 seconds for feeding in data. If inputting is not-concluded within this time, an error code is returned instead. This instruction i~ normally used for accepting the personal identification code which is to be used for ~ -opening the connected card.
An instruction can be directly ~ent to the connected card. '~he reader waits for a rei~pon3e from the card and then sends this back. The reader wait~ for the response for a maximum of 30 second~. After that, an error code i9 returned in~tead. ~he reader only examines the length of the instruction as a check that a sufficient amount of daka has been sent over. Otherwi~e, there is no check o~ the instruction. It is the task of the calling system to see that the instruction follows the specification for the connected card.
~5 If data h~ve been fed in from the keyboard, they can be tran~mitted to the connected card by means of a special instruction. The input data are stored in the keyboard buffer and transmitted to the card together with ;~
the -in~truction. ~ere, too, only the length of the dat.
,.: .
. . , . , , , , ., , , , , . ~ , . . .
WO ~tl 110 PCT/SE~2/00293 -8- 2~866l in the keyboard buffer i~ checked.
EXAMPLE
The arrangement according to the in~ention can be used for obtaining bank services. The service provider station is therefore the computer equipment of a bank for checking different accounts. The service purchaser is an account owner who has been allocated a smart ~ank card.
To use the card, the user first calls up the bank via the telephone ~et and feeds the card into the card reader.
When communication has been estabIished, the computer equipment senses what the card is and what account is accessi~le. The user confirms his authorization by feeding in his personal identification code which is usually secret. The user can then obtain information on various accounts, carry out transactions and obtain other services by inputting requested information by means of the keyboard. At the same tLme, the computer equipment and the ~mart card automatically interact for ~
transmitting information. ;'i'`
The card reader can be ba~ed at the account owner's home. It is also conceivable that the card readex is generally acces ible, for example at post o~ices and banks. After each transaction, the u er can be reql1ested to sign th~ transaction by inputting a further code. ;~
The arran~ement acaording to the invention can also be used for obtaining services from a phaxmacy. The card can then be programmed with a prescription, medical status or the like on a visit to the ho pital or to the doctor. The card can also ~pecify the amount of medicine which is di~pen~e~ within a certain time. The Gard u~er can u~e the card for ringing in pre~cription orders to the pharmacy. The card and the computer equipment at the pharmacy then interact so that the correct medicine i5 di~pen~ed. The card keeps track of how much medicine is dispensed and within what time. -~
- The arrangement according to the invention can ;-also be used as mean~ for payment for purcha3es by --telephone. A video film hire ~hop, for example, can ~ell ''~'' '' WO9~/21110 PCT/SE92/00293 g _ ._ card~ which have been programmed with a certain number of films in the form o~ units which are counted down with each purchase or hire. ~he smart card then has the function o~ a c~edit card or payment card.
Other embodiments of the invention are apparent to an expert in the field. The invention is only limited by the patent claims ~ollowing.
~ ~, : ~ ` , : .
.
WO9~/~1110 - l0- 2 0 8 6 6 7 0 PCT~SE92/00293 Key l SERVICE PROVIDER
Key 2 TELEP~ONE NETWORK
Key 3 Computer equipment Key 4 Telephone module Xey 5 Plug Xey 6 Jack Key 7 Telephone exchange Key 8 SERVICE PURCHASER .
Key 9 Telephone Key l0 Plug Key ll Adaptor plug :~
Key 12 Jack Key l3 Card reader Key 14 Card Key 15 Telephone :
Key 16 Plug. : :
Rey 17 Plug Key 18 Jack :.
Key l9 JacX - ~
Key 20 Card reader : :
Rey 2l Card ;. .
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and the green light-emitting diode is extinguished. When the light-emitting diode is extinguished, no operations at the keyboard will be stored or sent out on the line.
In the connected condition, the reader continuou-sly listens to the data in the form of tone signals or via the modem, which are sent from the called system.
When a start character is detected, the reader interprets this as a start of an instruction. The telephone is then disconnected from the line and the reader changes into instruction mode. The reader now collects all data including the signal "~", which indicates the end of the instruction. If a holdup of more than one second occurs between the different characters, the instruction is considered to be disturbed and the reader goes back to looking for the start character. When the entire instruction is received, it is decoded and executed.
After the executed instruction, the reader alway~ sends back a response. After that, the telephone is connected again to the line and the reader goes back to listening.
~hen the modem i9 connected, the user i9 always disconnectad from the line. From the moment the reader has detected the ~tart character to the time when the reader has sent out the complete response, the y~llow light-emitting diode is lit.
The~reader always starts in tone dialling mode, that is to say it listens for tone dialling signals from the called system. An instruction can ~e used for - changing communication channel and instead coupling in ; the modem. Thus, -a number of dif~erent opèrating . -. .:
:~ . , : . ...
W0 92/21110 ~ PCT/SE92/00293 coniiiti~ns are obtained: tone dialling signalling and signalling by means o~ the modem with different transmis-sion speeds. The operating condition of the modem can be changed while modem traffic is in progres3 by means of a new instruction on the modem line. This provides, for example, the possibility of switching between 1~00/75 bps as transmission speed. The response to the instruction is always given on the communication channel on which th~i instruction is sent, tone dialling or modem. Only after the response has been sent out does the exchange of communication channel or operating condition of the modem occur.
The reader can be commanded to accept data from the user via the heyboard by sending an instruction. The .
green light-emlttinq diode is illuminated in order to indicate that there will be input from the keyboard. The inputting is concluded by the user pressing the #
character. The green light-emitting diode is extinguished when inputting is concluded. The user has a maximum of 30 seconds for feeding in data. If inputting is not-concluded within this time, an error code is returned instead. This instruction i~ normally used for accepting the personal identification code which is to be used for ~ -opening the connected card.
An instruction can be directly ~ent to the connected card. '~he reader waits for a rei~pon3e from the card and then sends this back. The reader wait~ for the response for a maximum of 30 second~. After that, an error code i9 returned in~tead. ~he reader only examines the length of the instruction as a check that a sufficient amount of daka has been sent over. Otherwi~e, there is no check o~ the instruction. It is the task of the calling system to see that the instruction follows the specification for the connected card.
~5 If data h~ve been fed in from the keyboard, they can be tran~mitted to the connected card by means of a special instruction. The input data are stored in the keyboard buffer and transmitted to the card together with ;~
the -in~truction. ~ere, too, only the length of the dat.
,.: .
. . , . , , , , ., , , , , . ~ , . . .
WO ~tl 110 PCT/SE~2/00293 -8- 2~866l in the keyboard buffer i~ checked.
EXAMPLE
The arrangement according to the in~ention can be used for obtaining bank services. The service provider station is therefore the computer equipment of a bank for checking different accounts. The service purchaser is an account owner who has been allocated a smart ~ank card.
To use the card, the user first calls up the bank via the telephone ~et and feeds the card into the card reader.
When communication has been estabIished, the computer equipment senses what the card is and what account is accessi~le. The user confirms his authorization by feeding in his personal identification code which is usually secret. The user can then obtain information on various accounts, carry out transactions and obtain other services by inputting requested information by means of the keyboard. At the same tLme, the computer equipment and the ~mart card automatically interact for ~
transmitting information. ;'i'`
The card reader can be ba~ed at the account owner's home. It is also conceivable that the card readex is generally acces ible, for example at post o~ices and banks. After each transaction, the u er can be reql1ested to sign th~ transaction by inputting a further code. ;~
The arran~ement acaording to the invention can also be used for obtaining services from a phaxmacy. The card can then be programmed with a prescription, medical status or the like on a visit to the ho pital or to the doctor. The card can also ~pecify the amount of medicine which is di~pen~e~ within a certain time. The Gard u~er can u~e the card for ringing in pre~cription orders to the pharmacy. The card and the computer equipment at the pharmacy then interact so that the correct medicine i5 di~pen~ed. The card keeps track of how much medicine is dispensed and within what time. -~
- The arrangement according to the invention can ;-also be used as mean~ for payment for purcha3es by --telephone. A video film hire ~hop, for example, can ~ell ''~'' '' WO9~/21110 PCT/SE92/00293 g _ ._ card~ which have been programmed with a certain number of films in the form o~ units which are counted down with each purchase or hire. ~he smart card then has the function o~ a c~edit card or payment card.
Other embodiments of the invention are apparent to an expert in the field. The invention is only limited by the patent claims ~ollowing.
~ ~, : ~ ` , : .
.
WO9~/~1110 - l0- 2 0 8 6 6 7 0 PCT~SE92/00293 Key l SERVICE PROVIDER
Key 2 TELEP~ONE NETWORK
Key 3 Computer equipment Key 4 Telephone module Xey 5 Plug Xey 6 Jack Key 7 Telephone exchange Key 8 SERVICE PURCHASER .
Key 9 Telephone Key l0 Plug Key ll Adaptor plug :~
Key 12 Jack Key l3 Card reader Key 14 Card Key 15 Telephone :
Key 16 Plug. : :
Rey 17 Plug Key 18 Jack :.
Key l9 JacX - ~
Key 20 Card reader : :
Rey 2l Card ;. .
':
~ ' ' , ~'' ' , :"
', "' ,:
:, ' ,`:
.:.
~,,;:, . ., ~,A;
. ' ., '.~. .
' , `, ~
"
",~', ` ~
~ ' ' ' ' ''~""
Claims (13)
1. System for accessing services via a telephone set, calls being effected by means of an associated identity device, e.g. a smart card, from a telephone set/telephone subscription or similar in a telecommunications system, the identity device being applied to the telephone in question for connection of the telephone set/subscription to a service-providing station connected to the telecommunications system, and means comprising call-receiving devices connect-ing the service-providing station to the calling party, computer equipment with e.g. an announcing computer with which the calling party communicates, during a connection effected between the calling party and the computer equipment the latter identifying the calling party by means of data existing/programmed in or on the identity device, after iden-tification the calling party, possibly at the request of the computer equipment, inputting an authorisation code assigned thereto, e.g. by dialling a code on the telephone, the authorisation code initiating the access to the service for the calling party at the service-providing station, characterized by the combination of a communication device connecting the calling party to a service-providing station with associated computer equipment, an identity device in the form of a smart card provided with data for identification of the calling party, the reading unit being controlled by the computer equipment at the service-providing station.
2. Arrangement according to Claim 1, characterised in that the communication element comprises a keyboard for inputting information to ha identity element and computer equipment.
3. Arrangement according to any of the preceding claims, characterised in that the communication element is equipped with tone signal transmitter and receiver.
4. Arrangement according to any of the preceding claims, characterised in that the communication element is equipped with a modem.
5. Arrangement according to any of the preceding claims, characterised in that the communication element is connected to the telephone system in parallel with the telephone set, preferably by means of an adaptor plug.
6. Arrangement according to any of the preceding claims, characterised in that the communication element is built into the telephone set which is provided with a slot for feeding in the identity element.
7. Arrangement according to any of the preceding claims, characterised in that the service purchaser is requested by the computer equipment to feed in an author-ization code for the required service to become access-ible and/or for confirming the required transaction.
8. Arrangement according to any of the preceding claims, characterised in that the service-providing service station consists of a bank, mail order firm, film hire shop or pharmacy.
9. Arrangement according to Claim 9, characterised in that, in the case of the pharmacy service, information about prescription, medical status and the like is introduced on the identification element.
10. Arrangement according to any of the preceding claims, characterised in that, in the case of a sales function, the identity element is provided with units which can be counted down, for example a number of goods, which are counted down on the basis of the use of the identity element.
11. Arrangement according to any of the preceding claims, characterised in that two-way communication occurs in several steps between the computer equipment and the calling party.
12. Arrangement according to any of the preceding claims, characterised in that a service or goods ordered by the calling party can be signed by the calling party by the computer equipment sending back a request for further identification from the calling party.
13. Arrangement according to any of the preceding claims, characterised in that the computer equipment is arranged to provide acknowledgement/voice response with respect to the service requested by the calling party.
Applications Claiming Priority (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| SE9101408A SE470149B (en) | 1991-05-10 | 1991-05-10 | Device for accessing services via telephone apparatus |
| SE9101408-4 | 1991-05-10 |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CA2086670A1 true CA2086670A1 (en) | 1992-11-11 |
Family
ID=20382690
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CA002086670A Abandoned CA2086670A1 (en) | 1991-05-10 | 1992-05-06 | Arrangement for acquisition of services via a telephone set |
Country Status (8)
| Country | Link |
|---|---|
| US (1) | US6466657B1 (en) |
| EP (1) | EP0560946B1 (en) |
| JP (1) | JPH06501331A (en) |
| AU (1) | AU645909B2 (en) |
| CA (1) | CA2086670A1 (en) |
| DE (1) | DE69228742T2 (en) |
| SE (1) | SE470149B (en) |
| WO (1) | WO1992021110A1 (en) |
Cited By (1)
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|---|---|---|---|---|
| US7748620B2 (en) | 2002-01-11 | 2010-07-06 | Hand Held Products, Inc. | Transaction terminal including imaging module |
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| FR2716325B1 (en) * | 1994-02-15 | 1996-05-10 | Biotel Sarl Cws | Domestic telephone terminal for managing the services provided at the home of natural persons as part of a home service program. |
| GB2295939A (en) * | 1994-12-09 | 1996-06-12 | Charles Richards | Data communication |
| AU712699B2 (en) | 1995-04-28 | 1999-11-11 | Koninklijke Kpn N.V. | A device for transparent interaction between an IC card and a remote terminal |
| FR2736744B1 (en) * | 1995-07-13 | 1997-10-03 | Ckd Sa | SECURITY CONTROL EQUIPMENT SUCH AS CHECK, PAYMENT CARD, ACCESS CARD OR ACCREDITIVE CARD |
| NL1001387C2 (en) * | 1995-10-10 | 1997-04-11 | Nederland Ptt | Facilitating unit for aiding ordering and payment of services |
| DE29624478U1 (en) | 1995-10-10 | 2004-03-18 | Koninklijke Kpn N.V. | Facilitating unit for aiding ordering and payment of services - has user telephone with smart card interface and intermediate facilitator organising funds transfer for service provider |
| US6061664A (en) * | 1995-10-10 | 2000-05-09 | Koninklijke Ptt Nederland N.V. | System for facilitating the ordering and paying of services by means of a communication network |
| EP0785534A1 (en) * | 1996-01-17 | 1997-07-23 | Koninklijke KPN N.V. | Method and system for performing financial transactions by means of mobile telephone sets |
| EP0898831A1 (en) * | 1996-05-10 | 1999-03-03 | AT&T Corp. | Interfacing a smart card with a telecommunications network utilizing a pots telephone set |
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| JP3366808B2 (en) | 1996-07-18 | 2003-01-14 | 株式会社日立製作所 | Electronic wallet |
| JP3045669B2 (en) * | 1996-07-31 | 2000-05-29 | 株式会社日本ティーエムアイ | Automatic product handling equipment using IC card |
| DE69731239T2 (en) * | 1997-07-09 | 2005-10-13 | Ben-Mizzian, Maria Cruz | Portable device for financial related remote transactions with microprocessor card |
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| US8481017B2 (en) * | 2004-02-23 | 2013-07-09 | Florida State University Research Foundation, Inc. | Thin films for controlled protein interaction |
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-
1991
- 1991-05-10 SE SE9101408A patent/SE470149B/en unknown
-
1992
- 1992-05-06 CA CA002086670A patent/CA2086670A1/en not_active Abandoned
- 1992-05-06 EP EP92910532A patent/EP0560946B1/en not_active Expired - Lifetime
- 1992-05-06 JP JP4510562A patent/JPH06501331A/en active Pending
- 1992-05-06 DE DE69228742T patent/DE69228742T2/en not_active Expired - Fee Related
- 1992-05-06 AU AU17866/92A patent/AU645909B2/en not_active Ceased
- 1992-05-06 WO PCT/SE1992/000293 patent/WO1992021110A1/en active IP Right Grant
-
1994
- 1994-10-27 US US08/330,216 patent/US6466657B1/en not_active Expired - Lifetime
Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US7748620B2 (en) | 2002-01-11 | 2010-07-06 | Hand Held Products, Inc. | Transaction terminal including imaging module |
| US8544737B2 (en) | 2002-01-11 | 2013-10-01 | Hand Held Products, Inc. | Terminal including imaging assembly |
| US8561895B2 (en) | 2002-01-11 | 2013-10-22 | Hand Held Products, Inc. | Terminal including imaging assembly |
| US8967468B2 (en) | 2002-01-11 | 2015-03-03 | Hand Held Products, Inc. | Terminal including imaging assembly |
| US9734493B2 (en) | 2002-01-11 | 2017-08-15 | Hand Held Products, Inc. | Terminal including imaging assembly |
Also Published As
| Publication number | Publication date |
|---|---|
| AU1786692A (en) | 1992-12-30 |
| SE9101408L (en) | 1992-11-11 |
| US6466657B1 (en) | 2002-10-15 |
| WO1992021110A1 (en) | 1992-11-26 |
| SE9101408D0 (en) | 1991-05-10 |
| JPH06501331A (en) | 1994-02-10 |
| DE69228742T2 (en) | 1999-10-07 |
| SE470149B (en) | 1993-11-15 |
| EP0560946B1 (en) | 1999-03-24 |
| EP0560946A1 (en) | 1993-09-22 |
| DE69228742D1 (en) | 1999-04-29 |
| AU645909B2 (en) | 1994-01-27 |
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Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| EEER | Examination request | ||
| FZDE | Discontinued |